Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$163,163Cash toward the purchase price.
Closing costs + prepaids$14,423Not just lender fees.
Before credits & paid funds$177,585The complete starting cash picture.
Estimated remaining funds due at closing
$177,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,162.53
Your down payment$163,162.53
Closing costs + prepaids$14,422.51
Total buyer cash needed$177,585.04
Remaining funds due$177,585.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.50
Initial HOA (3 months)$1,305.00
Prepaid interest, first (22 days)$580.01
Fees + prepaids$14,422.51
Your down payment is the seller’s equity. You take over the $321,837 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $177,585.04 is due at closing. Uses and sources reconcile at $499,422.51 each. Not a Closing Disclosure.